Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$342,311Cash toward the purchase price.
Closing costs + prepaids$18,163Not just lender fees.
Before credits & paid funds$360,474The complete starting cash picture.
Estimated remaining funds due at closing
$360,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,310.92
Your down payment$342,310.92
Closing costs + prepaids$18,163.21
Total buyer cash needed$360,474.13
Remaining funds due$360,474.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,038.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,178.25
Initial HOA (3 months)$183.00
Prepaid interest, first (31 days)$1,045.67
Fees + prepaids$18,163.21
Your down payment is the seller’s equity. You take over the $407,679 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $360,474.13 is due at closing. Uses and sources reconcile at $768,153.21 each. Not a Closing Disclosure.